Senior Data Scientist, Credit

Mission Lane

4d•$120,000 - $134,000•Remote

About The Position

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. We're looking for a Senior Data Scientist to build and improve the machine learning models behind Mission Lane's credit decisions. Behind every “yes” from Mission Lane is a model that had to see past a credit score to the story behind it, the kind of story that doesn't fit neatly into three digits. You'll build and sharpen the models that read that signal right: accurate enough to trust, fair enough to stand behind, and sound enough to move our customers forward. A lot of our applicants don't have years of clean credit history to lean on, so the standard score alone doesn't get you very far. That means you'll get to dig into the interesting work of figuring out what else predicts repayment. Mission Lane is still young, but we’ve landed in an exciting, stable stretch of maturation, and you'll learn and grow right along with us.

Requirements

A degree in a quantitative field and 1+ years of work experience in a related role
Experience creating, deploying, and managing supervised learning models in a production system
Experience writing tested, reviewed, reproducible code, for data pipelines and model training alike, working fluently in the Python data stack.
Familiarity with working at the command line, shell scripting, databases, and cloud computing services
Ability to travel ~4+ times per year for high quality in-person collaboration

Nice To Haves

You're motivated by practical solutions, and curiosity is part of how you work every day.
You haven't necessarily worked in credit or lending before, but you're excited to learn a domain where regulations and long-horizon predictions matter.
You're comfortable with the full lifecycle of a model, including the less glamorous parts like data cleanup, monitoring, and validation.
You work well with people outside data science and can explain a modeling decision in plain language.
Experience solving problems in consumer lending or fintech
Experience with Airflow, Dagster, or other data pipeline platforms

Responsibilities

Design, build, and deploy supervised learning models that power Mission Lane's credit decisions, from first experiment through production
Partner with credit risk and portfolio teams to translate open business questions into modeling problems, and communicate the trade-offs between them
Monitor models already in production, catching drift and validating performance so they keep doing what they were built to do
Apply strong software engineering practices to your modeling work, including test-driven development, code review, and refactoring
Explore new data sources and modeling approaches using Mission Lane's Python data stack.